Can I Buy Health Insurance For My Parents? | 2023 | CA Rachana Ranade

[@CARachanaRanade]

✔️ Invest in Knowledge: link.rachanaranade.com/CourseStore

[@mamtalele5674]

Two points to know: 1. Corporate insurance will not cover one parent and one parent-in-law This was my need I needed cover for my mum (my father is no more) and my FIL which could not be accommodated. Corporate benefits end the minute you leave the job. 2. There are medical insurances where the sum insured gets renewed once a claim is done. So at all times u remain insured. In other types once a claim is made u are insured only for the remaining amount. Check that before selecting a policy

[@carachana4099]

⬆️ thanks for the comment.. Contact the What'sap line above for more information, and new investment plan ✉️..👈.

[@rajendrakumaar3800]

Govt should make Insurance Cos to do certain % of business covering Health Insurance of Senior Citizens and also introduce portability in Health Insurance.

[@vishaldsouza7532]

I had corporate policy coverage for my mother without any waiting period and i used port option and converted that to a personal policy while quitting that organisation since my new employer was not covering parents. So all benefits continued.

[@sriharshab2811]

So, no waiting period when port option used?

[@vishaldsouza7532]

In my case it was since corporate policies always have pre-existing covered along with no waiting period

[@DheerajKumar-ch1rg]

Do we need to approach Insurance company directly or Through employer?

[@sharmisthapaul5800]

I am facing same problem, kindly let me know how to port?

[@appu49]

Corporate plans are not getting converted i had icici Lombard

[@dipankarnath6030]

Please do a video on BCG shares which was bought & sold by investors on 5th & 6th December, which is still not delivered, and affecting 15000+ retail investors with no resolution so far.

[@carachana4099]

⬆️ thanks for the comment.. Contact the What'sap line above for more information, and new investment plan ✉️..👈.

[@Nukie9]

How to split a existing health insurance policy for parents... as premium charging based on their age.. my parents comes on a different age group with 10 years gap. Wants to know how to split and take a super top up individually.

[@Aarun3096]

Hi Madam, Great to See the video I was thinking to take external policy to my parents this brought glad to me and good guideness... Much appreciate🥰.....

[@meghadani4241]

I always appreciate the way you present such complex matters with sooo much of ease ..you really rock

[@nitinkaushik7110]

Thanks a lot Rachna Mam for educating and guiding us for such a complicated subject like insurance n all.

[@akfacts2608]

Will I have to do a checkup before buying insurance 10:11

[@gedelasasibhushanarao3863]

You are outstanding in simplifying understanding of the subject

[@nischalreddy27]

Very valuable information Rachana.Thanks.

[@sandyortn]

Hi Rachana, could you provide honest feedback on the quality of ACKO health insurance? It's attractively priced, offers extensive hospital coverage, and operates without intermediaries.

[@durgababu7121]

It's thrash

[@sandyortn]

@durgababu7121 did you buy sir ?

[@thakurtimmy8624]

Kubh dahnyabadh rachana ji👏👏✌✌👍👍

[@jayeshbrahmane2044]

Superb content! I'm surprised I didn't come across your channel earlier, keep it up!

[@nilajbanerjee2493]

Mam please make a video about defence personnel who are already covered by military hospitals but due to their being located at far off places it does not become feasible for getting treatment. Should military personnel get additionally get covered with a term life plan? Are their any special benefits that companies are offering to us?

[@ashwinpck]

Is it a good advice to have a separate health policy for family although we have a corporate health policy?

[@digitallife5464]

yes it is definitely good to have a personal health policy apart from corporate policy

[@quasarscrew4302]

Interesting talk about Amazons LPT23X I suggest anyone to listen to the guy talking about it in the video. Personally I didn't think they would really do that but seems like the launch just happened and there are enough slots available, could be worth huh

[@RajkumarRaj-mp8ym]

You forgot to mention that your policy is rechargable multiple times if you fully consume the cover amount of the year.

[@tamilselvan-pn6op]

Very nice and clear presentation and information .. Keep it up😊

[@mani_vk_29]

Thanks alot for your guidance ❤

[@bhargabnath4237]

Get insurance before you get diabetes she says,you think our parents are into insurance like todays generation,now we have to worry about the back breaking hospital bill and when its going to happen ,always constant headache and fear

[@prakashthakwani1334]

Hi mam, still awaiting for basics of stock market free video no 4/5/6/7. Which will help people for learning purpose.

[@carachana4099]

⬆️ thanks for the comment.. Contact the What'sap line above for more information, and new investment plan ✉️..👈.

[@CARachanaRanade]

You can purchase the same from our website.

[@dineshchainani6675]

Hi Rachna Mam. Is it possible to cover parents in a single policy apart from corporate plans? I am married and doing a business. Please help with this.

[@areyoustillalive....7729]

No, You have purchase retail health insurance for your parents.

[@lazyboytechnology]

Hi Rachana ,My father is 71 and my mother is 67 yrs of age father had suffered a stroke and my mother from cushing syndrome all recovered but under medications for the past 10 yrs is there a possibility of a medical insurance ??

[@areyoustillalive....7729]

Yes You can buy health insurance for your parents. Like any retail health insurance.

[@rupeshdeore4347]

I have star health comprehensive plan for parent...

[@jafir8757]

plzz post full video mam..thank you so much😍😍

[@harshavardhanmanda6984]

Thanks for sharing the knowledge

[@damodarannarayanaswamy4586]

I opted for my companies parental insurance policy, 3 years before, where, intially, i used pay only 18000 per annum,.., now it is changed from 2023, to 32000 per annum, without intimation or calling they deducted, after asking they are saying as per policy it will be automatically, when i called the company insurance policy they are saying due to age factor of parents it will change

[@areyoustillalive....7729]

You should go with separate retail policy for your parents.

[@swamivivekananda-cyclonicm8781]

Crisp. Clear.

[@emirhanreis3212]

I usually lurk and never write but why wouldn't you be excited over Amazons AM2023?

[@Charlie-bi1vh]

Can I include my sibling and parents both along with me in the health insurance and claim deduction? Like a family plan but I pay the premium?

[@CARachanaRanade]

Premiums paid towards health insurance taken for self, spouse, dependent children and parents are allowed for deduction. Premiums paid towards health insurance for siblings are not eligible for deduction. Please contact your financial advisor for more details.

[@tanvisinghparihar3280]

If the policy has your sibling and you are the proposer of the policy, you won't be able to claim for tax deductions, whereas if the policy only has your parents, you'll be free to claim the tax deductions

[@Charlie-bi1vh]

@@CARachanaRanade 😊 thanks

[@Charlie-bi1vh]

@@tanvisinghparihar3280 thank you

[@prawinpawan]

Thank you ma'am for the information 🙏

[@daamtyachalaadu]

I m 29 , last month I had a surgery. According to Pharmeasy Surgicare it was about to be covered under insurance but Aditya Birla denied stating it is cosmetic. Insurance denied twice and Pharmeasy Surgicare is not helping in any way. Not even answering calls. I have paid from my pocket to get discharged because it was more than two days for discharge and hospital bill was increasing, my parents were worrying at home so I had to pay and get discharge. Please guide me how can I get my money back. 🙏

[@debjani0222]

Great point on Domiciliary care

[@tejasprakashjhaveri]

Can you please make a video on the Insurance Companies offering Health Insurance for senior citizens aged above 65?

[@CARachanaRanade]

You can check the same by contacting Ditto - link is in the description box of this video.

[@LUST4food_cravingss]

Absolutely informative 🙏❤️

[@msyarowiismail4582]

It happened 2023: Amazons LPT23X is released guys, huge improvement and finally they made it

[@1301rishabh]

So thought of you to come up with this wonderful video.

[@manpreetkaur-xd4ft]

Please make video to suggest best insurance policy for parents and other things to keep in mind while buying policy?

[@richworld5423]

Mam I'm a student and I want to buy health insurance for my family but there's requirement of job to get health insurance....How do I secure my family?

[@soumsgaming238]

First get job then think about insurance

[@sirishakuchibhotla]

U released at right time.. now I needed it

[@Ak20231]

Please tell about dental coverage also

[@ishwantsingh5291]

Which insurance policy to take ? Still waiting ..

[@debjani0222]

Insurance companies are like, squeeze money when we are healthy and then only support in old age, else really when we need , they won't support

[@minalkhedekar796]

Great HELPFUL information 🙏

[@carachana4099]

⬆️ thanks for the comment.. Contact the What'sap line above for more information, and new investment plan ✉️..👈🖕

[@maheshm.s3055]

Thanks a lot for making this video

[@carachana4099]

⬆️ thanks for the comment.. Contact the What'sap line above for more information, and new investment plan ✉️..👈.🖕

[@halcyonskills]

I have star red carpet insurance for in laws 74 n 68 but now red carpet is not good insurance as lot of limits... planned for Aditya birla health insurance but reviews are horrible

[@SayalRaza]

Please give some promotion free top 3 kind of health insurance options for general public.

[@Indiansoul369]

Thank you for providing informative video… could you kindly do the video on angel investing or investing in startup thru syndicate … ?

[@Friend_forever_Pure]

My father is about to 63 and my mother is about to 56 year of age... Can i take thier Medical insurance or Mediclaim. My father has got 2 major surgery of Fractures and my mother had 1 major surgery of womb.

[@udbhavvikramsingh3449]

You should have also mentioned some insurance that covers all these points.

[@harishbhingardive9290]

Please suggest top 5 insurance company for parents health insurance

[@sachinbagul9777]

How to explain a topic in the simplest way is a very good example through you madam pls keep it up.

[@GoodSoul2050]

I got a message from your social media team some 2 years back to invest in bit coins , I guess they even gave me link to invest….. thanks GOD I did not invest or else I would be finished by now

[@CARachanaRanade]

We do not give investment advise. If anyone is claiming to be us and giving advise, its a scam.

[@GoodSoul2050]

@@CARachanaRanade I have screen shot of reply from your official KZbin handle asking me to message on WhatsApp number …… come on ….. I am not here to deframe anyone so knowledgable as I have high regards for you Mam 🙏🙏🙏

[@yogeshdarvankar7664]

Please suggest a plan for parents 🙏

[@bretlee14]

These health insurance companies increase premium for senior citizens during renewal, even if they don't claim. How do you address that? Is it normal if individual who cross age 65, 70 or 75 the premium almost doubles? Which raises the question how can people afford... What are your views?

[@santhoshilla8416]

Madam, please let me know on how to invest in foxconn, I could not any MF s with it.

[@surajbamankar3603]

@rachna how did you add hindi audio track. It seems to be ai generated.. Can you please provide software name?

[@virajbhosale1234]

Hello Please share investment option for retirement person age 60 , where they can investment money and get monthly or yearly interest

[@wiznikhil]

Thanks for the mention! 🙂

[@carachana4099]

⬆️ thanks for the comment.. Contact the What'sap line above for more information, and new investment plan ✉️..👈.🖕

[@surajpatil7171]

oh, i took health insurance policy before watching this video, please let me know u the Manipacigna is good or not for health insurance parents.?

[@CARachanaRanade]

You can contact Ditto if you have issues with you current policy. The link is given in the description box.

[@amoljagdale8099]

I have corparate Policy ,In that policy my parents included..also I have personal policy for my family ND for my parents others Than corparte...my question is both policy can utilised at time of claim

[@pothinenikalyan3482]

If the amount exceeds you can use another one

[@العاببسيطة-ع4ب]

We really need to talk about Amazons LPT23X I think it's going to make 2023 to be the best year of the entire 2000-range

[@carachana4099]

⬆️ thanks for the comment.. Contact the What'sap line above for more information, and new investment plan ✉️..👈.

[@sheelaashok9008]

Thanks for the video. Can you please tell me about group medical floater insurance policy of the commercial banks

[@ranjancom2000]

Is there any insurance after age 75 and which support for Diabetes Patient for buy medicine and insulin on monthly basis

[@areyoustillalive....7729]

Yes, There are 2 health insurance provider.

[@sowjanyavarayus149]

Hi mam, today only I searched for health insurance in policy bazaar, there I come across a word called 2lakh or 1.5 lakh "no claim bonus" means what

[@iitiantrader543]

Personal learning group join karne ke liye WhatsApp message kijiye

[@CARachanaRanade]

No Claim Bonus is a reward given by insurance company to an insured for not raising any claim requests during a policy year.

[@MrStevesequeira]

Does the state government or central government provide health insurance to citizens ?

[@CARachanaRanade]

There are multiple policies offered by govt., which are be free / paid, depending upon various conditions.

[@priyankabhalerao9492]

Mam, please make videos on government schemes I.e., NPS and atal pention yojna

[@subha6166]

My fathers age is 58 and he has no bp and diabetes. My mothers age is 55 and she has bp and diabetes. Kindly guide me how i select health insurance policy for them..

[@arpitadas1252]

So did you find any policy?

[@mia_bhai123]

Which company policy will be best to cover most

[@aravindjo]

Pls explain about Tier 1 tier 2 different mam ?

[@riyazahmedqureshi]

You forgot to discuss one of the most important point consumables

[@rakeshpatil1902]

What is right age to buy private insurance which is outside your corporate insurance

[@CARachanaRanade]

As early as possible, as uncertain events can come anytime and hence there is no meaning in delaying taking an insurance.

[@garimabhargav1800]

If canver develops later on, after taking policy, will the cost of treatment+ medication +chemo eberythinf gets covered?, Or only some part of it gets covered?

[@areyoustillalive....7729]

All are covered in the Policy if it developed after taking Policy.

[@samaritan9018]

One Query mam. What if we are paying health insurance every year without any health issue, company also has no problem. But mam, what if we are diagnosed with some serious illness some year and the insurer denies to renew my policy after knowing about my illness. (The year I'm detected with illness, let's say insurer supported me. No problem with that.)

[@ikikanka65king69]

2023 is really turning the tables now that Amazons LPT23X hit the road. After all these years of barely reading anything good I was usually just shutting down any type of media as much as I can but this brings back good lights and it should give hope to some of you that no matter what is going on in the world at the end something good comes to surface

[@carachana4099]

⬆️ thanks for the comment.. Contact the What'sap line above for more information, and new investment plan ✉️..👈.

[@JC-hl9nu]

Why insurance just cover the substandard medicine, they don't cover the good one, under insurance we don't have a choice but go for substandard medicine.

[@Aves0688]

Health insurance most important knowdays india! less than 20 Co.... But in USA More than 5k insurance Co "Health is Wealth" As Per scenrio Ex. A Young age Less Premium Ex. B Mid age High Premium Ex. C&D Old age Waiting Period, Risk Factor. Diagnostic, Existence Diseases... Etc.. Health insurance awareness first ☝Priority

[@kapilagrawal1293]

Good content.... but i have few questions in my mind that are combined for health and Term insurance- 1. The term insurance is taken by breadwinner of the family and if that person takes critical illness rider also still only that person of the family will be covered. Say his spouse/child/any other dependent get suffered from critical disease then this critical illness rider is of no use. Isn't it better to take critical illness rider with floater family health insurance so dependents also get benefitted. Another point is portability because the critical illness rider may not be available with other company term plan. 2. A person (say Raman) has annual income of 10 lacs and he is of 30 year old at the time of taking Term insurance with 1 crore cover amount for 30 year (i.e. his policy will expire when he attain age 60). He paid the premium on time every year and he dies at the age of 50. Now will company settle claim of 1 Crore rupees or they will calculate Human Life Value (i.e. based on the pending working life income) then accordingly they will settle reduced claim. I didn't find any clear illustration despite of reading many policy document. Can you answer or better to create a detailed video on this?

[@CARachanaRanade]

1 - We will try to cover the same in another video 2 - Insurance company will settle the amount of 1 crore. HLV is only a concept to know what amount of cover would be sufficient for the family. Further, please contact your financial advisor for more details.

[@abml3637]

Hech Marathi Madhe sangitle Aste tr Garib Lokanche che Khup Fayde jhale aste

[@venkat7964]

Hello Mam, I am staying in dubai since 4months I will stay here upto 2years and I may come back after 2 years and I don't have health insurance policy in india. Can I take new policy being in dubai because I may come back at any certain stage.please suggest whether I have to take new policy or not and my age is 39

[@ibrahimongul8565]

When stocks and common assets decrease 70-90% Amazons LPT23X is actually the counter to that. Hope you guys knew that already, if not you do now

[@akshayrasal8797]

Hello Ma'am, Is any insurance health plan available for handicapped 60 plus parents ???

[@CARachanaRanade]

Conditions differ from policy to policy. You can check with the link given in description.

[@abhinavsoni3395]

Hello Rachna Ma'am I hope to become a CA like you and I wanted to know that from where you studied for charted accountancy?

[@carachana4099]

⬆️ thanks for the comment.. Contact the What'sap line above for more information, and new investment plan ✉️..👈.

[@namithakumar7024]

How the age validation will be done by insurance company?

[@sushantkamble3431]

They even don't have toll free number to connect

[@arunkumarbe]

Hi- My parents are covered under medical insurance by my employer but for less amount (only 2 lakhs). What will be the best top up plan for my parents

[@sachinrawat7070]

Plz make analysis video of varanium cloud ltd. Q3 result announced yesterday

[@abirmondal357]

I want a insurance against Google listening to our household conversations

[@mohammedhanif3843]

I want to buy policy for my parents. Plz suggest which one is best

[@behoshtalk5432]

i just want to know thus all policy covered cancer treatment or not , or if covered by company which word mention in policy for that...??????

[@areyoustillalive....7729]

Cancer will covered in every Policy after 30 days of issuance of Policy

[@AmjadKhan-e5k8w]

Please suggest a health insurance plan for senior citizens

[@areyoustillalive....7729]

There are lots of health insurance for senior citizen

[@ankitanaik235]

Health insurance, term insurance or life insurance which one we have to choose for our parents or us?

[@areyoustillalive....7729]

1st health and 2nd Life

[@marketsinshort]

Nice content, I thought I only make unique stock market knowledge videos.

[@shantakale4237]

Mam please make video on ACKO Platinum Health Plan

[@krishna7862]

Hi Rachana, I can't say enough about your content. You simply rock. The Research, Animation, and other members of your supporting team should also be appreciated. I am sure most of them are young and have a wonderful mentor to work with. In regard to corporate health insurance, I have a question. The downside is that health insurance is not available if you lose your job. In light of this, it is recommended to take out a separate health insurance policy outside of your job. Nevertheless, someone suggested you may be able to continue corporate health insurance after quitting, which would give you an opportunity to skip the waiting period, copays, and many other insurance options, especially for your parents. Could you please confirm if that is possible and if the registered dependants will have the same privilege to remain insured? What is the cost of the insurance in such circumstances, high or low?

[@CARachanaRanade]

You will have to check the same with your employer.

[@dhanubly]

Hello Sir. Your corporate Policy may continue but it depends on the company and primuem will be higher side if the age more than 60. I don't think that they continue all the features as corporate Insurance cost will be higher side to the company compares to your normal Policy. As ma'am told that the corporate Policy covers everything from the day one is called tailor made Policy but there will be few limitations in the policy too.

[@sameeraj27]

Hello mam, which policy better for daycare???

[@CARachanaRanade]

Everyone has very specific requirements, you can choose as per your requirements. You can check with the link given in description.

[@saikumarshridhar156]

I have question to you ma'am, i bought health insurance for my parents 4 yrs ago knowing my mother is diabetic patient and to cover the waiting period...now I'm not sure what I have declared from how many year my mom is diabetic and when i claim the insurance for treatment does it affect the claim process in case if we say incorrectly from how many yrs my mom is diabetic than what is declared? I hope it doesn't becoz i have crossed the waiting period and paid the premiums on time .... please let me know.. i bought this insurance as precautionary while i have corporate insurance that covers all pre-existing disease from day 1 to my parents, so that in case of corporate insurance is not there i would be completed waiting period....now i have both corporate n personal insurance covering 10L

[@CARachanaRanade]

One should always fill the correct information while taking insurance. Good that you have a corporate insurance as well which has no waiting period.

[@saikumarshridhar156]

Thanks for the reply, irrespective of how many years my mom is diabetic i have covered the maximum waiting period so I'm tentative the claim will not be a problem...

[@trans5363]

Better buy gold that is your health insurance